That's simple though. For insurance the line is drawn at how expensive it will likely be for a private company to insure you over the course of your policy.
It doesn't matter if someone intended for a decision to lead to higher risk, the only question at the point of signing an insurance policy is how risky that private company views the policy.
The whole insurance debate often feels misplaced. Many people simply don't want healthcare to depend on an insurance system. And I get that, I also would rather people be able to get the care they need regardless of their individual risk.
As long as we have anything claiming to be insurance that simply isn't how the system works. If the game is insurance the insurer should be able to consider individual risk. If we don't want that, build a system that isn't dependent on an insurance scheme at all.
It doesn't matter if someone intended for a decision to lead to higher risk, the only question at the point of signing an insurance policy is how risky that private company views the policy.
The whole insurance debate often feels misplaced. Many people simply don't want healthcare to depend on an insurance system. And I get that, I also would rather people be able to get the care they need regardless of their individual risk.
As long as we have anything claiming to be insurance that simply isn't how the system works. If the game is insurance the insurer should be able to consider individual risk. If we don't want that, build a system that isn't dependent on an insurance scheme at all.